Natural Disaster Risk — ZIP Code 40601
Frankfort, Kentucky
Risk Summary for ZIP 40601
ZIP 40601 scores 5.7/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Strong Wind.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Average risk — standard coverage usually sufficient
This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 40601, Kentucky
ZIP 40601 in Frankfort sits in the interior eastern United States. Its humid subtropical climate produces hot, humid summers and cold winters with ice storm risk, and notably recurring winter ice storm events. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 40601 carries an overall risk score of 5.7/10, placing it in the moderate category. High-wind events from severe thunderstorms and derechos are the leading hazard, with damaging gusts capable of downing trees and causing widespread structural damage. The area also faces notable exposure to tornado and ice storm.
Within Kentucky, ZIP 40601's risk is, near the 5.5/10 state average. Nationally, it ranks above the U.S. national average of 4.5/10. FEMA's analysis of Kentucky identifies wind as the foremost hazard, followed by tornado and ice storm. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a moderate risk rating, ZIP 40601 residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wind is recommended.
What this means for ZIP 40601: Strong Wind preparedness
- Confirm your policy covers wind damage and keep an inventory of property for claims.
- Inspect and reinforce roofing, siding, and garage doors, which are common failure points in high winds.
- Secure or store outdoor furniture and loose objects that can become projectiles.
Risk for the surrounding area
Local Factors for ZIP 40601
These city-level factors differentiate ZIP 40601 from other communities in Kentucky County and provide geographic context for its hazard exposure.
Population
51,893
UrbanGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 38.2°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 2.6/10
Coordinates
38.2329° N, 84.8833° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 40601
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Kentucky
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.